I'd be interested to see if it becomes available. It's something that has crossed many CCW's minds, but I don't think it's ever been offered, at least for a price that the common man can afford. But on other hand that might be what's behind the bill in first place. Maybe they are thinking "if I cannot afford the insurance, then I'll not carry". Huh??? Not in this lifetime, at least for me.

I'd be interested to see if it becomes available. It's something that has crossed many CCW's minds, but I don't think it's ever been offered, at least for a price that the common man can afford. But on other hand that might be what's behind the bill in first place. Maybe they are thinking "if I cannot afford the insurance, then I'll not carry". Huh??? Not in this lifetime, at least for me.

I can't think of any reason it wouldn't be very cheap. We don't give CCW permits to jackasses in Connecticut- accidental shootings are usually by the police. You are many times more likely to hurt or kill someone with your car than with your gun, and your car insurance is affordable. CCW insurance should be much more so, and also send a message to the criminals that we have one less reason not to shoot if they put us in a position where we legally can. Being legally able to shoot does not protect you from a lawsuit.

The Supreme Court has already decided that the government can make you have insurance if you have a body. All they have to do is call it a tax. A $750 per year tax on handguns if you don't have insurance.

Here's my thought:
Failure to obtain or inability to afford "required" liability insurance would be cause to deny you a Constitutional right and would not stand up to a Constitutional challenge in the SCOTUS. That is part of the basis of the Heller decision. Comparing gun liability insurance to auto insurance is apples and oranges.

Umbrella Policy

You should have liability insurance under an umbrella policy anyway - to protect yourself from all types of liability. But not what this bill proposes, a separate policy for Carrying.

My Umbrella policy is for 2 million and can be used for all my policies, all being homeowners and auto. Under the homeowners acts of self-defense for which you are sued are covered, under my current insurer and my last one. I changed insurers and asked both if this included shooting in self-defense off of property. Yes is the answer. It also protects against under-liability for car accidents, then also libel, slander - personal liability of all types.

My cost is an extra $180/yr for the 2 mil. You may need to increase you auto liability before you get the Umbrella by a bit. I had to for an extra $34 a year.

Now I have a safe-driving record so all my rates are based on that, and as well have had no claims on homeowners ins. So my Umbrella rates are based on my overall "good" rates ("Good Rates" depending on the insurance company's definition.)

Yours might be higher for an Umbrella but everyone had told me for years this was the cheapest date in town and they were right.
$180 for 2 million extra liability insurance!

As Stephen Halbrook, a research fellow at the Independent Institute, told the Washington Times on Jan. 2, if gun owners are required to purchase liability insurance before exercising a fundamental individual right granted by the Second Amendment, then journalists (and virtually anyone else who expresses an opinion in public) can be required to purchase libel and defamation insurance before exercising a fundamental individual right granted by the First Amendment.

This should be pushed as well, but we know it won't happen. Also let's make it mandatory to show proof of liability insurance before you can buy alcoholic beverages. After all, you never know when someone will break into your liquor cabinet!

Why have insurance for a consitutional right ??? Currently we have the freedom to worship, will they require that we have insurance for that ?? How about freedom of the media ?? Will they need insurance now too ?? How many times has the media been wrong and hurt someone with what was mistankenly printed or said, but all they do is print we apologize for an error we printed ??? The goverment / the people running our government is really getting stupid. God Bless

If you own anything, expect future income, it is unwise to not carry appropriate liability insurance either
via a homeowners or renter's policies. A mandated liability policy or rider to your existing policy really
should not cost much if you consider that about 1/3 of households have guns in them and the individual
risk of accident or negligently shooting someone is exceedingly small.

I'd prefer it not be mandated. But, I think individuals would be unwise to not carry some such coverage.

If the Union is once severed, the line of separation will grow wider and wider, and the controversies which are now debated and settled in the halls of legislation will then be tried in fields of battle and determined by the sword.
Andrew Jackson